car insurance beat quote

tali

has anyone negotiated over the phone a car insurance quote? ie have you told them "company x is quoting me a lot less - can you beat it?" ive never managed it and always get stock reply "im afraid we wont be able to beat that quote"

brazilianwax

Most insurers have a profile for the people that they are seeking as customers.

eg young drivers
old drivers
max ncb
zero ncb

Those that fit the profile will get competitive quotes. Those way off the profile will get ridiculous quotes (so that the customer will take their business elsewhere).

If you get a quote you like from a company whose profile you fit, and ask a company with a widely different profile to match it, you are likely to be told that they can't because frankly they don't want your business.

Otherwise there's no point in there being so many insurance companies!

anewman

Try confused.com to see which companies seem most favourable for your details. Also try https://www.ecarinsurance.co.uk which was cheapest for me, and TPFT was cheaper than TP only.

All you can do is get quotes and more quotes

vaio

I suspect they also have daily targets so I’ve found better quotes late in the day

tali

just had insurance company phone after an online quote
"hello sir we would like to discuss your online quote"
me-"i found a quote £100 cheaper"
"thank you sir , goodbye"
me -

anewman

tali wrote: »

"hello sir we would like to discuss your online quote"
me-"i found a quote £100 cheaper"
"thank you sir , goodbye"
me -

Sorry I couldn't help but laugh when I saw that. They obviously were desperate for a "sale" and willing to forgoe the cost of a phone call, but not £100. Don't feel bad - even though they didn't even have the common courtesy of apologising for not being able to match the quote, you'd probably have just got loads of hard sell off them - and he was probably phoning the next victim straight after to try get his comission .